Our policy is 'Claims made' and covers Professional Indemnity, Public Liability, and Medical Malpractice Insurance under one simple policy. But what does that mean when it comes to claims?

Here’s an example:

You run a sports and health coaching business and have £1,000,000 in cover.

• A visitor trips at your office and breaks their arm. They claim £50,000 under Public Liability Insurance.
• A client claims your coaching didn’t deliver results and says it cost them their job. They claim £100,000 under Professional Indemnity Insurance.

That’s £150,000 in claims—plus legal fees and reputation management costs

Since your policy covers all three types of insurance, and you report the claims promptly, we cover the costs up to your chosen limit.

In short: If a claim arises during your policy term and meets the policy criteria, we’ve got you covered—legal costs included.

The Law and Jurisdiction of the policy is specified as ‘The Law of England and Wales’. Law and jurisdiction are two different matters. 'Law states what country's laws are to apply to the contract, and the 'Jurisdiction' is which country's courts are to have jurisdiction. Both are in relation to disputes arising out of the contract between the Insurer and the Policyholder.

The Territorial Limits are the countries and territories where the policy will provide cover to the Policyholder. This is where the policy will accept the serving of formal legal action against the Policyholder. The insurers will respond to a valid claim from a country or territory within the Territorial Limits of the policy, and the courts of the country from which the claim arises shall have the jurisdiction to hear the dispute arising out of the contract.

Public Liability Insurance protects you if someone claims your business caused them injury or property damage. This applies to any member of the public, not just clients.

It covers incidents not directly related to your professional work but that still happen due to your business activities.

Example Scenario:

A visitor walks into your office, trips over an item left on the floor, and suffers a nasty head injury - easily done, isn't it? They could claim for medical costs and compensation which easily amount to thousands of pounts. Public Liability Insurance covers these types of claims, helping protect you from financial loss.

In short, it’s a safety net for unexpected accidents involving third parties.

We all make mistakes—or sometimes, clients think we have, even when we haven’t. Could your business handle the financial impact of a legal claim?

Example Scenario:

During a coaching session, you give advice that a client later claims was misleading or harmful. Perhaps they left their job and haven't been able to secure a new one - they blame you. They make a claim against your business for financial compensation to cover their loss of income and the mental distress it caused.

Of course, you may have done nothing wrong, but even so, you have to pay legal fees to defend your position - this and potential payouts can be crippling.

How Professional Indemnity Insurance Protects You

Also known as Malpractice Insurance, this cover protects you against valid Claims that arise from you practicing your professional service. It ensures you won’t have to pay out of pocket if a client makes a Claim over something you did—or didn’t do.

For any professional offering advice, expertise, or services, this insurance is a must-have safety net.

Yes! Public Liability covers physical damage, while Professional Indemnity protects against negligence claims - that you did something you shouldn't have done, or that you didn't do something you should have done. Our policy includes both Public Liability and Professional Indemntity so you are fully covered.

Our policy is a Claims Made policy.

This combined with a Nil Retroactive Date means that your insurance will cover Claims that you first become aware of and report during your policy period, even if the incident happened long before, provided that when you purchased the insurance you had no reason to believe that there were any past events that might lead to a Claim. If you think there might be, you must disclose this during the quote application.

The key dates that matter are:

• the date on which the event took place, from which the Claim arises
• when you first become aware of the Claim
• when you report it to the insurer
• your policy’s Retroactive Date (the cause of the Claim must be after this date)

If your policy has no retroactive date (shown as 'Nil') you are protected for past work as long as you keep renewing the policy. However, if you stop working, you’ll need ‘run-off’ cover, which keeps you protected against future Caims related to past work.

A Claims Arising policy works differently. It only covers Claims that occurred during the active policy period, meaning the insurer who covered you at that time will handle the Claim—no matter how many years later it’s reported.

Important: If you ever switch from a Claims Made policy to a Claims Arising policy, you could end up losing past coverage if you’re not careful. Always check before making any changes to ensure you stay protected.

No, you are not covered if you work outside the insured group.

Here’s why:

This insurance only covers the policyholder, which in this case, is the group. If a claim is made, it must be against the party responsible for the service provided.

If the group was responsible for the service, the insurance may cover the claim—including work done by individuals on behalf of the group.

However, if you personally provided a service outside of the group (even if you are a member), you are not covered. The claim would be made against you as an individual, not the group’s insurance policy.

In short: If the group is insured, the group is covered. If you work outside of it, you are not.

It depends on what you actually do at the pamper party.

If you are providing treatments, therapies, or services that are already covered under your policy, then yes, you’re covered—at no extra cost.

However, it’s important to check the specific descriptions of the services covered in your policy. If what you offer at the pamper party falls outside of those, you may need additional coverage.

Before hosting group sessions, review your policy details to ensure everything you do is included. If you're unsure, feel free to contact us for guidance.

Yes, your business can still be covered, even if employees or directors live abroad.

However, what truly matters is where the business operates and where any claim is made—not where individuals reside.

Our policy covers the policyholder (whether that’s an individual, company, or group) for claims made for services provided within the Territorial Limits, and will be subject to UK jurisdiction. This means:

• the claim must be filed in the UK
• the policyholder must have a UK-registered address
• the claim must be written in English
• the service from which the claim arises must have been provided in the Territotial Limits
• the business activity must be covered under the policy

So, while, for example a director living in Singapore (or any other country) does not affect the policy, it does not mean claims from anywhere in the world will be accepted. Only claims falling under UK jurisdiction will be considered.

Our policy is what is termed a ‘Claims made policy’. That means the insurers will consider a claim that they are advised of (and you must tell them at once!) during the policy year. The incident that caused the claim could have occurred in the recent past – and it could have been years before, provided the incident occurred AFTER the retroactive date. Our policy has no retroactive date and therefore our policy covers you during the policy term for an incident that could have occurred at any time in the past, provided that, at the inception of the policy you were not aware there was a possibility that the incident could lead to a claim.